The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,248
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$988/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$35,228
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,763
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$945/mo
Today · 4.125%
HK$36,641
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$1,932/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,282/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$513,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,498
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,664
−HK$1,185/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$42,274
+HK$2,425/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,716
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,835
−HK$1,135/mo
Today · 4.125%
HK$43,970
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,940/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$513,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,747
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,108
−HK$1,383/mo
Today · 4.125%
HK$46,491
baseline
▲ 0.50% · 4.625%
HK$49,320
+HK$2,829/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,982/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$513,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,668
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,974
−HK$1,324/mo
Today · 4.125%
HK$51,298
baseline
▲ 0.50% · 4.625%
HK$54,002
+HK$2,704/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,596/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$513,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,247
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,996
−HK$1,778/mo
Today · 4.125%
HK$59,774
baseline
▲ 0.50% · 4.625%
HK$63,411
+HK$3,637/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,548/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,574
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,252
−HK$1,702/mo
Today · 4.125%
HK$65,954
baseline
▲ 0.50% · 4.625%
HK$69,431
+HK$3,477/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,908/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,892 · Scale 2, in force from 26 Feb 2026)